* Interest rate and annual percentage yield may change at any time and will be determined at our discretion. Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive interest accrued to date of closing.** We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on rate accounts as detailed in the Rate Chart.

Interest rates apply on average balance.Tiers Include:$0.00-$999.99$1,000.00-$4,999.99 $5,000.00-$9,999.99$10,000.00 & up

Check prices vary depending on the style ordered.

$5.00 monthly service charge if average balance falls below $500.00

*The interest rate and annual percentage yield may change at any time and will be determined at our discretion. Interest begins to accrue no later than the business day when the Bank receives credit for the deposit, usually the first business day after the banking day on which the deposit is received. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive interest accrued to date of closing.** We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the collected daily balance in the account for each day. This periodic rate paid is based upon the collected balance in the account and can change daily on rate accounts as detailed in the Rate Chart. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. If your account drops below the $500.00 minimum balance you may be charged a service charge of $5.00 a month. Must maintain a $500.00 minimum balance to avoid a monthly service charge.

$29.00 per item$10.00 per day after the account is overdrawn for five (5) consecutive days

Non-Sufficient Fund Return Check Charge

$29.00 per item

ATM Cards Issue Fee Charge

$8.00

ATM Cards Replacement Fee Charge

$8.00

Checking Printing

Prices vary with your style selection

* An overdraft fee applies to overdrafts created by check, in-person withdrawal or other electronic means.

Debit Cards

Community Development Bank now offers debit cards. Your debit card offers you the convenience of checking plus the added value of safety, easy record keeping and affordability.

Conveniences of a debit card

Use money from your checking account without writing a check

Is welcome at places that will not accept checks

Is faster and easier than writing checks

Can be used at millions of establishments and ATMs around the world

Save on the cost of ordering checks

Safety of a debit card

Avoid carrying large amounts of money

Authorization process limits your risk for lost or stolen cards

Easy Record Keeping

Better way to keep track of your purchases

Receive receipts for every transaction

Each transaction appears on your monthly statement

Limitations on debit cards

Depending on your account, there may be a maximum amount you may withdraw per day

For security purposes there may be limits on the frequency and amount of transactions you may make at POSs.

Fees and Charges

There is no issue fee charge for the card.

There is a $8.00 replacement fee charge for the card.

When you use an ATM not owned by us you may be charged a fee by the ATM operator or any network used to complete the transaction. You may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

Foreign Currency Rate-When you use your debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either (1) a rate selected by Visa/MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa/MasterCard itself receives; or (2) the government-mandated rate in effect of the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.